About Pavilion

Pavilion Financial Corporation is a diversified global investment services firm with clients and business relationships in more than 50 countries. We provide leading investment expertise and implementation support to help institutional clients and other investors preserve and enhance their assets.

Advisory Services

Concrete advice. The foundation of success.
Pavilion Advisory Group works with institutional clients, offering customized guidance as well as implementation services at every stage of the investment process.

Research & Insights

Newsroom

Welcome to the Pavilion newsroom. Here you can find the latest news and media coverage. I’m not able to find where I can change it, maybe you can let me know how to do it, so next time I can do it myself?

Plan Sponsors

All the articles about Plan SponsorsFrom newest to oldest

The 4% Rule: Withdrawal Rates in Reviewby Tom Dodd, Executive Director, Pavilion Advisory Group Inc.
With the demise of defined benefit plans and ascendancy of defined contribution plans, participants not only must make decisions regarding investment strategy, but also they must decide on a withdrawal strategy once they retire. This can be agonizing especially given evidence that most baby boomers have under-saved for retirement. Retirees will want to withdraw as much as possible in order to support their pre-retirement lifestyle. Read in PDF

Less Is More When Designing a 401(k) Planby Donald Stone, Executive Director, Pavilion Advisory Group Inc.
Behavioral finance has taught us a lot in recent years about how people make decisions. Just as importantly, it has taught us how plan sponsors can help participants make better decisions while still providing them with choices. However, providing people with too many choices can overwhelm them and lead to decision paralysis. Read in PDF

Tips to Keep You and Your Record Keeper on Trackby Rhonda Berg, Senior Defined Contribution Consultant Pavilion Advisory Group Inc.A relationship with a record keeper can be a lot like a marriage. There is a “courtship”, usually during a Request for Proposal or RFP, when the two parties get to know each other. Then the relationship is sealed with the “ring” – in this case, an executed service agreement. Read in PDF

Counceling participants about their 401(k) in a volatile marketby Donald Stone Director, DC Strategy and Product Development & Senior Consultant, Pavilion Advisory Group Inc.Sometimes it seems like our investing lives are just one big roller coaster ride. The markets gyrate this way and that way, and it can be quite unnerving for retirement plan participants, particularly as they near retirement. Read in PDF

The State of Stable Value: 2016 Updateby Preet Prashar, Senior Research Analyst, Pavilion Advisory GroupRecently, Pavilion Advisory Group Inc. surveyed four stable value managers on the current state of the marketplace.We asked: what major trends did you notice in 2015? What are the largest anticipated challenges for stable value funds? In this article, we look at trends in stable value and provide a summary of the managers’ views. Read in PDF | Read as an online magazine

Ruling underscores need to re-examine fees, record policyby Jennifer Flodin, Defined Contribution Practice Leader & Senior ConsultantWhile it has always been important for defined contribution plan fiduciaries to have an established fee philosophy for their plan and thorough documentation of decisions, these issues have returned to the spotlight following the U.S. Supreme Court’s ruling in the case of Tibble et al. vs. Edison International et al. Read in PDF | Read as an online magazine

Operational Compliance Reviewsby Rhonda Berg, Senior Defined Contribution ConsultantDo you know with certainty whether your plan is operating in full compliance with the plan document? Are you confident that it is operating in accordance with the rules of the Internal Revenue Service (IRS), the Department of Labor (DOL) and the Employee Retirement Income Security Act of 1974 (ERISA)? If you answered “no” to either question, you and your plan could be at risk. Read in PDF | Read as an online magazine

Simple communication may prevent asset depletionby Jennifer Flodin, DC Practice Leader & Senior Consultant, Pavilion Advisory GroupAsset leakage from defined contribution (DC) plans and the retirement security of Americans is a growing issue, and one I believe can be addressed by improved, simple, concise communications to participants outlining their options post-employment.Read in PDF | Read as an online magazine

Tibble v. Edison: U.S. Supreme Court finds duty to conduct ongoing investment reviewby Thomas H. Dodd, CFA, Executive Director, Pavilion Advisory GroupIn a case followed with much interest by plan sponsors and ERISA practitioners, the U.S. Supreme Court recently ruled on whether ERISA’s six-year statute of limitations period applied to investment decisions made more than six years prior to the filing of the action.Read in PDF | Read as an online magazine

Is it time to outsource DC plan?by Don Stone, Director, DC Strategy and Product Development & Senior Consultant, Plan Sponsor Advisors, a division of Pavilion Advisory Group Inc.With DC plans becoming the primary and often only retirement plan offered to employees, the stakes for fiduciaries are higher than ever. While outsourcing will not be appropriate for every organization, many committees may find this to be the right choice for them.Read in PDF | Read as an online magazine

Rethinking target date strategiesby Angelo Auriemma, CFA, Director, Investment Services, Plan Sponsor Advisors, a division of Pavilion Advisory Group Inc. &
Preet Prashar, CFA, Senior Research Analyst, Plan Sponsor Advisors, a division of Pavilion Advisory Group Inc.Target date strategies have experienced record asset growth. They are increasingly being used in defined contribution plans by participants who are enrolled in these solutions by default. However, significant differences among target date offerings exist presenting a challenge for plan sponsors in the selection and monitoring of target date strategies.Read in PDF | Read as an online magazine

401(K) Plans – Key Issues for Plan Sponsorsby Susan McDermott, CFA, CIO of Institutional AdvisoryAssets in 401(k) plans total more than $3.5 trillion and cover more than 51 million workers according to the Investment Company Institute. For a large number of individuals, 401(k) plans are their only source of retirement savings.Read in PDF | Read as an online magazine

White Paper: Reflections on Investment Committee Governance
We surveyed a broad cross section of institutional investors on a number of factors relating to the structure and effectiveness of their investments committees. More than 120 organizations responded, with some respondents overseeing more than one type of plan.Read in PDF | Read as an online magazine